Although most college students have reached the age of 18, they are all legal adults. However, it has to be pointed out that most college students do not have enough social experience, not only have no independent financial resources, but also have not established a mature concept of financial management. Under the extreme temptation of expenditure demand and unsecured loans, many students apply for loans hastily without fully considering the legal consequences, and temporarily gain purchasing power beyond their repayment ability, but they have laid an unbearable burden on their lives.
More than a decade ago, many banks raced around in universities and issued credit cards, which once caused social problems and even led some students to commit crimes in order to repay loans. Therefore, in 2009, the China Banking Regulatory Commission issued the Notice on Further Regulating Credit Card Business, stipulating that credit cards should not be issued to underage students, and for adult students, students should also be guaranteed a second repayment source. After all, banks are relatively controllable, and the student credit card crisis has been greatly alleviated.
However, in recent years, many private capitals have replaced banks and issued so-called "campus loans" to students in the form of online lending platforms. These online lending platforms not only lack supervision, but also lose the bottom line driven by interests. They not only go far beyond the scope permitted by law in terms of interest, but also go beyond the boundaries of law in terms of "guarantee" and debt collection means. Among them, the most common trick is to ask female college students to submit nude photos and videos as "guarantees". If students refuse to pay back, they will send nude photos to relatives and friends and even distribute them online.
In fact, it is inevitable that "campus loans" will become illegal. From the perspective of the platform, students' poor repayment ability will lead to many "bad debts". If high interest rates are not implemented, it will obviously make ends meet. Students did not provide property or other people's guarantees. At the same time, Koryo could not get legal support. If he obtained it legally through court proceedings, he can't recover the high interest, but through illegal means.
On April 10, the CBRC issued the Guiding Opinions on Risk Prevention and Control of Banking Industry, demanding that the campus online loans should be mainly cleaned up and rectified, stipulating that peer-to-peer lending information intermediaries should not include borrowers who have no repayment ability in the marketing scope, and it is forbidden to provide online loan services to college students under 18 years of age, not to conduct false fraud propaganda and sales, and not to issue usury in disguise through various means.
However, to avoid the tragedy caused by campus loans, it is far from enough to rely solely on the guidance of the CBRC. This first requires schools to strengthen the risk and rule of law education for students. On the one hand, let students realize that vanity will bring temporary gains or a stain on their lives, and they must borrow money from college dropouts. On the other hand, let students know that illegal usury can't get legal support, and when they are caught in related disputes, they need to believe in the law and take up legal weapons. More importantly, the judiciary should severely crack down on crimes such as spreading obscene articles, insulting and extorting money involved in campus loans. Qi Li's Survival Soil for Eliminating the Illegal Mode of Campus Loan.